Stock Scorecard
Stock Summary for Heritage Commerce Corp (HTBK) - $9.58 as of 10/18/2025 1:26:22 AM EST
Total Score
16 out of 30
Safety Score
54 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for HTBK
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for HTBK
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for HTBK
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for HTBK
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for HTBK (54 out of 100)
| Stock Price Rating (Max of 10) | 4 |
| Historical Stock Price Rating (Max of 10) | 4 |
| Stock Price Trend (Max of 10) | 0 |
| Book Value (Max of 10) | 5 |
| Book Value to Price (Max of 10) | 8 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 8 |
| Operating Margin (Max of 10) | 4 |
| Trading Volume (Max of 10) | 5 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for HTBK
Financial Details for HTBK
Company Overview |
|
|---|---|
| Ticker | HTBK |
| Company Name | Heritage Commerce Corp |
| Country | USA |
| Description | Heritage Commerce Corp (HTBK), based in San Jose, California, is a distinguished banking holding company that operates through its primary subsidiary, Heritage Bank of Commerce. Specializing in a wide range of commercial and personal banking services, the company is committed to serving diverse clientele, including individuals, small businesses, and professionals throughout California. Heritage Commerce Corp emphasizes a relationship-driven banking approach, prioritizing exceptional customer service and fostering enduring partnerships within its local communities, which positions it well for sustained growth in the evolving financial landscape. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | 10/23/2025 |
Stock Price History |
|
| Last Day Price | 9.58 |
| Price 4 Years Ago | 9.71 |
| Last Day Price Updated | 10/18/2025 1:26:22 AM EST |
| Last Day Volume | 432,354 |
| Average Daily Volume | 330,428 |
| 52-Week High | 10.81 |
| 52-Week Low | 7.87 |
| Last Price to 52 Week Low | 21.73% |
Valuation Measures |
|
| Trailing PE | 15.21 |
| Industry PE | 16.67 |
| Sector PE | 23.67 |
| 5-Year Average PE | 13.75 |
| Free Cash Flow Ratio | 0.00 |
| Industry Free Cash Flow Ratio | 5.57 |
| Sector Free Cash Flow Ratio | 42.08 |
| Current Ratio Most Recent Quarter | 0.00 |
| Total Cash Per Share | 0.00 |
| Book Value Per Share Most Recent Quarter | 11.31 |
| Price to Book Ratio | 0.87 |
| Industry Price to Book Ratio | 1.11 |
| Sector Price to Book Ratio | 2.28 |
| Price to Sales Ratio Twelve Trailing Months | 3.27 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.94 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.80 |
| Analyst Buy Ratings | 3 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 61,447,000 |
| Market Capitalization | 588,662,260 |
| Institutional Ownership | 79.92% |
Dividends |
|
| Ex-Dividend Date | 8/7/2025 |
| Previous Dividend Amount | 0.1300 |
| Current Dividend Amount | 0.1300 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.52 |
| Trailing Annual Dividend Yield | 5.29% |
| Forward Annual Dividend Rate | 0.52 |
| Forward Annual Dividend Yield | 5.29% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 5.77% |
| 5-Year Average Dividend Yield | 5.39% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 7.63% |
| Dividend Payout Ratio | 82.54% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -33.30% |
| Annual Earnings Growth | 62,789.69% |
| Reported EPS 12 Trailing Months | 0.63 |
| Reported EPS Past Year | 0.40 |
| Reported EPS Prior Year | 0.66 |
| Net Income Twelve Trailing Months | 21,146,000 |
| Net Income Past Year | 40,528,000 |
| Net Income Prior Year | 64,443 |
| Quarterly Revenue Growth YOY | 14.60% |
| 5-Year Revenue Growth | 10.46% |
| Operating Margin Twelve Trailing Months | 18.90% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 55,360 |
| Total Cash Past Year | 968,123,000 |
| Total Cash Prior Year | 408,129,000 |
| Net Cash Position Most Recent Quarter | -39,672,640 |
| Net Cash Position Past Year | 928,470,000 |
| Long Term Debt Past Year | 39,653,000 |
| Long Term Debt Prior Year | 39,502,000 |
| Total Debt Most Recent Quarter | 39,728,000 |
| Equity to Debt Ratio Past Year | 0.95 |
| Equity to Debt Ratio Most Recent Quarter | 0.95 |
| Total Stockholder Equity Past Year | 689,727,000 |
| Total Stockholder Equity Prior Year | 672,901,000 |
| Total Stockholder Equity Most Recent Quarter | 694,704,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 43,418,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 0.71 |
| Free Cash Flow Past Year | 37,347,000 |
| Free Cash Flow Prior Year | 71,339,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.10 |
| MACD Signal | -0.07 |
| 20-Day Bollinger Lower Band | 8.92 |
| 20-Day Bollinger Middle Band | 9.79 |
| 20-Day Bollinger Upper Band | 10.67 |
| Beta | 0.82 |
| RSI | 39.81 |
| 50-Day SMA | 8.79 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 9.06 |
System |
|
| Modified | 10/18/2025 1:26:24 AM EST |